Chubb vs Risklytics: How Do They Compare for Cyber Insurance?

Risklytics places cyber for robotics and AI firms, noting contracts often ask for $1 million or more; Chubb underwrites Cyber ERM for organizations of any size.

Risklytics places Cyber Liability with specialist insurers willing to write robotics, autonomy and AI risk, and cites a typical enterprise-contract ask of $1 million or more. Chubb underwrites Cyber ERM and says it can build large-account towers for organizations over $1 billion, without publishing a typical limit. ^3,^4,¹

What Are the Key Differences Between Chubb and Risklytics Cyber Insurance?

Robotics Specialist Markets Versus Chubb Cyber ERM

Risklytics is a licensed producer that places Cyber Liability with outside carriers, including specialists willing to write robotics, autonomy and AI risk, and says there is no broker fee on top of the premium. Chubb underwrites Cyber ERM itself for organizations of any size that handle sensitive data or run a network, without describing robotics or autonomy markets. Choose Risklytics if you need a producer who will take robotics or AI risk to specialist markets; choose Chubb if you want the underwriter to quote Cyber ERM. ⁴ ⁵ ²

Typical $1 Million Contract Ask Versus Custom Towers Above $1 Billion

Risklytics lists a typical ask of $1 million or more in enterprise contracts and says companies usually need the coverage the first time they hold customer data in production. Chubb does not publish a typical limit and instead describes custom large-account programs for organizations over $1 billion in revenue. ³ ¹

Online Application With a Producer Versus Cyber Central

You start Risklytics Cyber Liability through its online application, and a licensed producer stays on the file until the program binds. Agents quote Chubb cyber through Cyber Central or Marketplace. ⁵ ¹

What Should You Confirm in Chubb and Risklytics Cyber Insurance Quotes?

Ask Risklytics which specialist carrier would issue the policy. ⁴
Ask Chubb which group entity issues the policy. ²
If a customer contract requires $1 million or more, confirm the Chubb quote meets it. ³ ¹
Ask Risklytics whether prompt-injection wording is actually on the form. ³

Chubb vs Risklytics Cyber Insurance Compared

Chubb vs Risklytics: Cyber Insurance: documented features by provider

Criteria	Chubb Cyber Insurance (Cyber Enterprise Risk Management)	Risklytics Cyber Liability Insurance
Who It’s For	Chubb says there are no minimum premiums and premiums scale for all risk sizes, offers Cyber Central and Marketplace quoting for risks under $100 million in revenue, and a customizable large-account cyber risk management solution for organizations over $1 billion in revenue. ¹Company-reported. Cyber Insurance Coverage & Products page eligibility and quoting description.	Risklytics says companies typically need this coverage the first time they hold customer data in production, and that enterprise and government contracts require it once a vendor touches their data. ³Company-reported. Lines page.
How to Apply	Agents and brokers can quote cyber alone through Cyber Central or bundled with other lines through Chubb Marketplace; multinational programs can be serviced locally in more than 35 countries. ¹Company-reported. Cyber Insurance Coverage & Products page quoting section.	You start Risklytics Cyber Liability Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^5,⁴Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
Coverage Features	Chubb lists first-party cyber incident response fund, business interruption (with contingent business interruption for outsourced technology providers), digital data recovery, and network extortion; third-party cyber/privacy/network security liability, payment card loss, regulatory proceedings and media liability; and cyber crime coverages (computer fraud, funds transfer fraud, social engineering fraud) available by endorsement. ¹Company-reported. Cyber insurance coverage list on the products page; subject to exclusions and the policy as issued. Chubb offers a Widespread Event Endorsement with separate limits and retentions for systemic cyber events, a Ransomware Encounter Endorsement that lets buyers tailor limits and retentions for ransomware losses, and a Neglected Software Exploit Endorsement that gives a 45-day grace period to patch published vulnerabilities before risk-sharing shifts toward the policyholder. ¹Company-reported. Innovative coverage concepts section; endorsement availability depends on underwriting.	Risklytics describes Cyber Liability as paying for breach cleanup, legally required notifications, and the claims that follow a hack or data leak, such as a ransomware attack or exfiltrated customer records, and says it does not respond to a model giving bad output with no breach involved. ³Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	Chubb underwrites Cyber Enterprise Risk Management (Cyber ERM) directly. It covers cyber, privacy and media exposures for organizations of any size that handle sensitive data or run a network or website. ¹Company-reported. Cyber Insurance Coverage & Products page, Cyber Enterprise Risk Management section.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Cyber Liability Insurance with outside carriers; it says it does not underwrite policies itself. ⁴Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.
Risk Services	Chubb says cyber policyholders get access to a panel of pre-approved incident response providers, a 24/7 hotline and Cyber Alert app, a Cyber Threat Intelligence Team, a Vulnerability Management Outreach program, and the Chubb Cyber Index for trend and cost data. ²Company-reported. Cyber Insurance for Businesses page, Cyber Services and Beyond Risk Transfer sections.	Risklytics calls cyber the easiest line for its clients to get with reasonable security basics in place, and says whether a prompt-injection attack or a model leaking data is covered depends on policy wording it reads before binding. ³Company-reported. Lines page.